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Insurance for Hotels, B&Bs & Guest Houses

Our insurance policies are designed specifically for Hotel, Guest House and B&B owners, providing protection for buildings, contents, guest liability, employer responsibilities, and loss of income if your business is interrupted. Unlike standard Business or Home insurance, Hospitality insurance reflects the higher level of public access, overnight stays, shared facilities, and staff responsibilities involved in running a hospitality business, as well as the possibility that you might also be living on-site too.

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Buildings cover
Contents cover
Loss of Income
Public & Guest Liability
Employers’ Liability
Guest Effects cover

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Specialist Insurance for Hospitality Businesses

Hospitality insurance is a tailored form of Business and Commercial Property insurance created specifically for hotels, guest houses, and bed and breakfasts.

It combines essential covers into one policy, protecting you against common industry risks such as:

  • Guest injuries and accidents
  • Property damage
  • Liability claims
  • Unexpected closures and loss of income

Unlike standard Business or Home insurance, Hospitality insurance reflects the higher level of public access, overnight stays, shared facilities, and staff responsibilities involved in running a hospitality business.

Why Do You Need Hospitality Insurance?

Hospitality businesses operate in a high-risk environment where incidents can occur despite best practices. One serious claim or unexpected event could result in significant financial loss.

Hospitality insurance helps you to:

  • Protect guests if they are injured or their belongings are damaged
  • Safeguard your building and contents against fire, flood, storm damage, or vandalism
  • Cover legal defence and compensation costs
  • Protect your income if your business cannot operate following an insured event
  • Meet lender, licensing, or regulatory requirements

Without the right insurance in place, a single incident could threaten the future of your business.

What Does Hospitality Insurance Cover?

Policies can be tailored to your exact needs, but typically include:

  • Buildings and Contents insurance
  • Public Liability insurance
  • Employers’ Liability insurance
  • Directors’ and officers’ insurance
  • Accidental Damage cover
  • Terrorism insurance
  • Hospitality Inspection cover
  • Legal Expenses
  • Loss of premises licence
  • Cover for guests’ personal belongings

Why Choose Think Insurance?

  • Specialist Hospitality insurance broker
  • Tailored cover for hotels, B&Bs, and guest houses
  • Access to leading UK insurers
  • Competitive premiums and flexible cover options
  • Expert advice from real people
  • Fast quotes and personal service

We take the time to understand your business, ensuring you’re properly protected without paying for cover you don’t need.

Speak to a specialist

If you’ve got any questions or doubts about what type of policy you need and what you should include, then we always recommend speaking to a specialist broker such as ourselves. At Think we have years of experience, and any member of our specialist team will be happy to help you get the cover you need.

Our Testimonials

What Our Customers Say…

“Great service. All very clear and friendly. Excellent value for money…I highly recommend.”

J&J

“Excellent customer service. Very helpful and friendly.”

Patrick M

“Still the best price...renewed again and fantastic service.”

Charlotte R

“Great company, great staff. Simple and easy to deal with 👍👍”

Steve M

“Friendly, helpful and easy to do business with.”

Mrs T

“Great help. Good prices. Happy customer.”

Jon E

Why We Stand Out To Customers

Why Choose Think Insurance?

We are an independent insurance broker offering a wide range of products, including Motor Trade, Business and many more. We pride ourselves on our high levels of customer service, whether you’re a brand new customer, or you return to us year-after-year. We use our specialist knowledge to help individuals and businesses alike, find the right insurance product to meet their needs and their budget!

Thousands

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1500+

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10,000+

Happy Customers

24/7

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What Are You Waiting For?

Take the first step towards getting yourself covered with us. With a free quote, we're able to give you our best rates to get you covered!

01922 718 070 Get a Quote